the bank that's turned them down they have no other choice they're on the street yeah we're talk to me a little bit about the spectrum of of risk spectrum of cost uh and then ultimately the spectrum of opportunity for a small business that needs money fast

Right.

So the answer, basically, what you had described, it's all of it.

And in other words, even a client that is not perfect for a bank can still get what quote unquote mainstream bank rates.

We can find that.

It's just a matter of, again, time versus speed.

Speed does impact this.

And so do you find that you're going to be spending more time in Miami doing business and working with companies? Is this is it the next frontier for your business in the industry? Where do you see Miami right now moving forward in the future of your business?